The Official Website of the City of New York
NYC Direct Deposit

The NYC Direct Deposit program provides free checking accounts to City residents who directly deposit their pay. Features include:

  • No monthly fees
  • No overdraft option for debit card purchases or ATM withdrawals
  • No minimum balance requirements
  • Free online banking and bill pay
  • Free in-network ATM withdrawals

To sign up, you must:

  • Open the account at a participating financial institution.
  • Enroll in direct deposit. Ask your employer's Human Resources Department how.
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